Many policies state:
".. You must take your pet for regular annual check-ups and keep your pet annually vaccinated against distemper, hepatitis, leptospirosis and parvovirus in the case of dogs, against feline infectious enteritis, feline
leukaemia and feline influenza in the case of cats... Homeopathic vaccines are not acceptable."
They further state that they will not pay for:
"Any treatment in connection with pregnancy or giving birth, vaccinations, grooming, killing
and controlling fleas, routine treatment for roundworms and tapeworms and any claims arising as a
result of these procedures."
As many health issues arrise due to vaccine reactions (un-admitted by the pharmaceuticals), this reduces your cover to issues brought about by accident or food reactions (un-admitted by the manufacturers).
Therefore I pose the questions, is your pet insurance really worth it?